First. Hello everyone, new here....loving the group.
Second. Roman, I second your proposal.... (D) here to all the lovely ladies here.
Third. On the topic of insurance. Let's not forget, that when one buys insurance, they do not buy an all inclusive care that covers everything. It is an insurance policy that guaranties payment under goverened by the policy. Read carefully what is covered. Sometimes you are better of refusing what they offer at work and get yourself a different plan on your own.
Julia, if what you described happened here (NY NJ area), you would be able to sue the hospital. Not sure about TX.
(v) (H)